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key ages

I've been running scenarios using a key age of last withdrawal of 100. Recently I ran a new scenario using 90 instead of 100. I was surprised to see that the spreadsheet "Annual" tab shows a lower annual consumption using 90 instead of 100. Everything else stayed the same. Am I missing something?

For the benefit of others, I'll share an approach I just devised that seems to work well for me. Instead of assuming smooth withdrawal over my lifetime with an expected age of 100, I'm setting my smooth withdrawal end date to the year I'm 71. That's the year after I start withdrawing SS.

This works for me because my wife and I have retirement accounts of approximately equal value, she's a few years younger than me, and will continue working 3 years after I retire. In the current scenario, that's early 2018 for me and early 2021 for her.

Why is retirement account last contribution key age minimum 59? How do you set earlier age at which you stop contributing to retirement accounts? Does the key age settings effect results if you delete contributions above minimium age limit to match when you retire and stop contributing to accounts?

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